Care Freedom Health Insurance Plan

Pre-Existing Conditions? Care Freedom Has You Covered
9,747+
9,747+ Network Hospitals
95.2%
95.2% Claims Settled in the Year 2022-23
Up to 6 CR
Up to 6 CR Sum insured
24*7
24*7 Customer support
Pre-Existing Conditions? Care Freedom Has You Covered

Plan Your Family’s Health

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What is the Care Freedom Policy?

Care Health Insurance offers a specialized health insurance policy called “Care Freedom” for individuals with pre-existing conditions such as diabetes, hypertension and high BMI. With sum insured options up to 10 lakh rupees, the policy covers hospitalization and treatment costs for common lifestyle diseases. Additionally, it provides lifelong renewability and is available for individuals and families.

Patients with high sugar or blood pressure face a greater risk of developing chronic conditions like heart and kidney diseases, eye problems and blood vessel damage. Care Freedom seeks to alleviate the financial and medical burden on these individuals by decreasing the waiting time for coverage of pre-existing conditions to just 2 years. This adjustment guarantees that individuals dealing with long-term ailments can receive prompt and high-quality medical care.

The policy offers old-age patients the opportunity to personalize their Care Freedom health plan by incorporating extra benefits such as home care, health checks and COVID care with OPD. To discover more about the coverage benefits and eligibility criteria for the Care Freedom health plan, keep reading.

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Care Freedom Policy Specifications

KEY FEATURES₹3L₹5L₹7L / 10L
In-Patient HospitalizationUpto Sum InsuredUpto Sum InsuredUpto Sum Insured
Day Care TreatmentUpto Sum InsuredUpto Sum InsuredUpto Sum Insured
Annual Health Check-up
Ambulance CoverUpto ₹1,000/ HospitalizationUpto ₹1,000/ HospitalizationUpto ₹1,000/ Hospitalization
Companion Benefit₹10,000₹15,000₹15,000
Consumable Allowance₹750 per day₹1000 per day₹1000 per day
Domiciliary HospitalizationUp to 10% of the Sum Insured covered after 3 daysUp to 10% of the Sum Insured covered after 3 daysUp to 10% of the Sum Insured covered after 3 days
Daily Sum Insured CoverUpto 1,000 per Sum Insured limitedUpto 1,000 per Sum Insured limitedUpto 1,000 per Sum Insured limited
Recharge of Sum Insured
Pre/Post-hospitalizationUpto 7.5% payable Hospitalisation expenses valid till 30 days beyond the policy end dateUpto 10% payable Hospitalisation expenses valid till 30 days beyond the policy end dateUpto 10% payable Hospitalisation expenses valid till 30 days beyond the policy end date
Tenure1 Yr/2 Yrs/3 Yrs1 Yr/2 Yrs/3 Yrs1 Yr/2 Yrs/3 Yrs
Room RentTwin Sharing Room subject to a maximum of 1% of Sum Insured per dayTwin Sharing RoomSum Insured Private Room
ICU ChargesUp to 2% of Sum Insured per dayNo limitNo limit
Sub-limits
Treatment of CataractUpto ₹20,000 per eyeUpto ₹30,000 per eyeUpto ₹30,000 per eye
Treatment of Total Knee ReplacementUpto ₹80,000 per kneeUpto ₹1,00,000 per kneeUpto ₹1,20,000 per knee
Treatment for Ailments like Surgery for all types of Hernia, BPH, etc.Upto ₹50,000Upto ₹65,000Upto ₹80,000
Treatment for Ailments like Surgery for Cancer, bone fracture, etc.Upto ₹2,00,000Upto ₹2,50,000Upto ₹3,00,000

Choose the Best Health Insurance Plan

that provides all the necessary coverage benefits you need at affordable premiums.

Coverage Benefits of Care Freedom Policy

The Care Freedom insurance plan offers a variety of unique benefits for its policyholders. These advantages include -

BenefitsCoverage
Cashless Treatment at Top HospitalsEasily access cashless hospitalisation at more than 8350 hospitals with your Care Health card without any hassle.
Quick and Direct Resolution of ClaimYou can receive speedy reimbursement for medical expenses without the requirement for a pre-policy medical check-up, regardless of your age or selected Sum Assured.
Different Policy Term Options are AvailableYou have the option to select from policy terms of 1 year, 2 years or 3 years, giving you the flexibility to choose the duration that suits your needs and preferences.
Pre-Existing Diseases Waiting PeriodPre-existing diseases are subject to a 24-month waiting period, after which they are covered comprehensively.
Grace Period Without Cost (Look-in Period)To return the policy, send it back within 15 days of receiving it but the amount will be adjusted for the proportionate risk period and applicable stamp duty charges.
Recharge Sum InsuredThe coverage limit for your claim can be exceeded, but do not worry, your sum insured will be recharged without any additional cost. This recharged sum can be used for other members covered by the same policy or for different ailments within the same year.
Yearly Medical ExaminationIt is important to prioritise an annual health check-up, which includes various tests such as complete blood count, urine routine analysis, fasting blood sugar, lipid profile, kidney function tests and ECG. This check-up is beneficial regardless of your claims history, as it allows for early detection of any potential health issues and helps in maintaining overall well-being.
Permanent RenewabilityYou can enjoy the plan’s lifetime renewability, which means you will have continuous coverage and peace of mind knowing that your insurance will not expire.
No Taxes to be PaidPremiums paid for the Care Freedom Health Insurance Plan have the added advantage of being exempt from taxation under Section 80C of the Income Tax Act of 1961. This exemption provides additional financial benefit to policyholders.

What’s Covered and Not Covered in Care Freedom Policy

Care Freedom Insurance Inclusions

  • In-patient and Daycare Coverage
  • Pre and Post-hospitalisation
  • Domiciliary Treatment
  • Consumable Allowance
  • Sum Insured Recharge
  • Ambulance Cover
  • Annual Health Check-up

Waiting periods

  • The waiting period for this particular service is 30 days before you can proceed.
  • The waiting period for pre-existing medical illnesses is 48 months.
  • The grace period for this particular policy is 30 days.
 

Similar Insurance Company Plans

Care Freedom Health Insurance Claim Process

Care Health prioritizes your health and aims to alleviate stress during unexpected medical situations. This guide will simplify the process of filing claims under your insurance plan, whether it is for emergency hospitalization, planned procedures or selecting between cashless and reimbursement options.

Cashless Claims Process

1
Go to the closest network hospital of care health company.
2
Approach the front desk to speak with the TPA, or third-party administrator.
3
TPA will complete and submit your application to Care Health Insurance on your behalf.
4
If everything is authorized, the claim executive will examine the reports and proceed with processing the claim.
5
You can begin receiving therapy at the hospital as soon as you receive approval.
6
Your insurer and the hospital will settle the bill directly after treatment.

Reimbursement Claims Process

1
Notify Care Health Insurance of your hospital stay (within 48 hours in the event of an emergency, and 48 hours in advance if it is planned).
2
Pay your hospital costs in full and turn in all required paperwork.
3
Complete and send in a claim form.
4
Await the insurer's permission and status report.

Keep in mind that you must: 

  • Submit all paperwork with your claim form within 15 days of discharge.
  • Save all properly signed paperwork for submission to ensure a seamless claim procedure.[3]

Care Senior Health Plan Contact Details

You may contact Care Health Insurance using the below-mentioned information if you have any queries about Care Health Insurance plans:

  • WhatsApp Connect with us on WhatsApp: +91-8860402452 (Services)
  • Call Connect with us on Call: 1800-102-4499 (Sales)
  • Website Website: Care Health Insurance
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Best Health Insurance Plans In India

When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.

It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.

Insurance Provider Plan Name Coverage Type Sum Insured Range Age Limit (Adults) Important Parameters
Care Advantage Health Insurance Plan Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium
ICICI Elevate Health Insurance Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium
IFFCO Tokio Family Health Protector Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium
Niva Bupa Aspire Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium
Arogya Supreme Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium
TATA AIG Medicare Lite Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium

Frequently Asked Questions (FAQs)

A.

The Care Freedom Plan is a great option for individuals with pre-existing conditions like diabetes, hypertension and high BMI. It is reassuring to know that it provides coverage for hospitalization and treatment costs, especially after a waiting period. People with pre-existing conditions need to have access to specialized health insurance that meets their needs.

A.

The cost of the Care Freedom Plan depends on various factors such as age, location, health status and sum insured. To find the most suitable plan for your needs, it is advisable to obtain quotes from multiple providers and compare their prices.

A.

Some plans may include a single private AC room while others may provide a twin-sharing room. The available options vary depending on the plan variant chosen.

A.

No, AIDS is usually not covered by most health insurance plans, including the Care Freedom plan.

A.

No, the Care Freedom plan does not cover pre-existing conditions like diabetes until after a waiting period of 24 months.

A.

The claim process will differ depending on the insurer. Typically, you'll have to get in touch with your insurer and give them the necessary documents, such as hospital bills, doctor's prescriptions, discharge summaries, and insurance policy documents. To find out the exact steps for filing a claim, it's advisable to visit the insurer's website or get in touch with their customer service.

A.

Yes, health insurance premiums like the Care Freedom Plan generally go up as you get older due to the increased likelihood of developing health issues.

A.

Failing to disclose a pre-existing condition could void your claim or even lead to policy cancellation. Be honest and upfront about your medical history during the application process.

A.

The coverage of annual health checkup benefits can differ, often including basic tests such as blood sugar, blood pressure and cholesterol. However, more specialized investigations are usually not included. It is important to review the specific plan details to determine what is covered.

A.

In such cases, consider supplementing your insurance plan with additional coverage to address specific needs that are not covered by the Care Freedom plan. For instance, adding a critical illness rider could offer extra financial assistance in case of a critical illness diagnosis.

A.

The Care Freedom Plan mainly covers traditional medical treatments determined by the insurer, while coverage for alternative treatments is often restricted or not included. It is important to review the policy wording to understand the details of coverage for specific treatments.

A.

Care Freedom is an ideal choice for those seeking extensive health insurance that includes coverage for hospitalization expenses. With options for both individual and family coverage for up to 6 members, it provides flexibility to cater to different needs and preferences.

A.

For Care Freedom, a co-payment clause is in place where you will be accountable for a portion of the final claim amount (either 20% or 30%). The insurance company will cover the rest, based on your sum insured limit. Senior citizens can choose to waive the increased co-payment, but this incurs an extra premium charge.

A.

Care Freedom offers a range of sum insured options, ranging from 3 lakh rupees to 10 lakh rupees. The chosen amount determines the maximum payout limit for hospitalization expenses per policy year. 

A.

Care Freedom’s “Recharge of Sum Insured” benefit is a unique offering that reinstates your sum insured once for future unrelated claims if it gets depleted during the policy year. However, it is crucial to remember that the recharged amount cannot be carried forward to subsequent policy years. 

A.

You have the flexibility to choose any hospital for treatment with Care Freedom, even if it is not in their network. However, if you opt for a non-network hospital, you will have to pay for the treatment upfront and then apply for reimbursement from Care Health Insurance. This usually requires submitting bills and medical records but the payout might be less than if you had gone to a network hospital.

A.

Maternity coverage under the Care Freedom plan is determined by whether you opt for the optional maternity benefit. The standard plan usually does not cover childbirth and related expenses. Getting the maternity benefit may involve extra premium costs and could have specific waiting periods and coverage limitations.

A.

Care Freedom does not cover dental and vision care expenses, as they are considered outpatient department expenses. However, Care Health Insurance offers optional add-on covers for dental and vision needs, which come with additional premium costs.

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